Two interstates, a freight corridor that does not pause for weather, and wildlife on every road out of town after dark. Cover written for the collisions this place actually produces.
Arizona minimum limits are low and Flagstaff traffic includes a lot of commercial freight. Ask what your liability limit does against a truck.
Three exposures that shape an auto quote here more than the car you drive.
I-40 carries transcontinental truck traffic through here year round, and winter does not empty it. A chain-reaction on ice involving a loaded tractor-trailer generates losses that exhaust a minimum liability limit before the second car is even assessed. This is the clearest argument for higher limits anywhere in our territory.
Hitting an elk is a comprehensive claim and so is hitting a deer, which usually means a different and lower deductible than a collision. Plenty of drivers carry collision and skip comprehensive to save a little, then discover the gap at the roadside. On the roads out of this town at dusk, comprehensive is not the optional one.
A tourist route and a freight route both bring drivers who are not from here and may not be insured to a level that helps you. Uninsured and underinsured motorist cover is the part of your own policy that pays when theirs runs out, and it is routinely set at the minimum because nobody explained what it was for.
Given how animal strikes and winter road debris land on this coverage, the comprehensive deductible is worth setting deliberately rather than accepting whatever matched the collision one.
State minimums were not written with a loaded truck in mind. We will show you what the next two limits up actually cost, which is usually less than people assume.
A breakdown on a forest road or a closed interstate is a longer tow than a town one. Roadside limits differ sharply between carriers and the cheap one is cheap for a reason.
Send the drivers, the vehicles, and whether anything is parked outside all winter. We will price it against more than one carrier and show you where the deductibles differ.
We quote it against several carriers and show you the deductibles side by side.
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